$480,000
95199 WINDFLOWER Trail, Fernandina Beach, FL 32034
Amelia Concourse
- Price
- $480,000
- Beds / Baths
- 4 / 4
- Living area
- 2,890 sqft
- Year built
- 2013
- Type
- Residential
- Lot
- 0.21 ac
- Garage
- 3
- HOA
- $7/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 64
$166/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 35% below the area's closed prices. Seller will pay off CDD assessment with acceptable offer, reducing buyer's out-of-pocket costs and explaining the below-market price.
SELLER WILL PAY OFF CDD WITH ACCEPTABLE OFFER! Welcome to this well-maintained 4-bedroom, 4-bath home tucked away on a desirable cul-de-sac street lot. Offering a flexible bonus space that can easily function as a 5th bedroom, office, or flex room. This home provides plenty of room to fit your lifestyle. Recent updates include fresh interior paint in the downstairs living areas and all bedrooms, along with upgraded LED lighting throughout for a bright, modern feel. The home sits on an oversized quarter-acre lot with a fully fenced backyard, screened paver patio, and a spacious three-car garage. The kitchen features granite countertops, dark cabinetry, stainless steel appliances, a large prep island with pendant lighting, and 2 dining areas. The owner's retreat is generously sized with tray ceilings, a walk-in closet, and a private bath complete with dual vanities, a soaking tub, and separate shower. Newly enhanced landscaping adds beautiful curb appeal. Located in Amelia Concourse Subd a playground. Convenient to highly rated schools, shopping, hospitals, dining, 9 miles to the beach, and 8 miles to 95. Don't miss your chance to own your own piece of paradise here in Fernandina Beach! Off-island home with Fernandina Beach address and LOW HOA fees.
What to check on this one
- Confirm exact CDD payoff amount seller will cover; verify final bond status post-closing.
- Obtain flood zone designation and elevation certificate if in AE/VE zone.
- Request 4-point inspection and wind-mitigation report; verify homeowner's insurance availability.
- Review HOA docs for Amelia Concourse—confirm rental restrictions and any pending assessments.
- Verify roof age and material; confirm no known leaks or recent repairs.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $384,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 19, 2026, 8:49 PM.
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